Patricia Dzikowski

Attorney

Fort Lauderdale Bankruptcy Attorney Patricia Dzikowski has been actively practicing law in South Florida since 1983.   Ms. Dzikowski is the owner of the Law Office of Patricia Dzikowski, which offers representation to individuals, businesses and trustees in Chapter 7, 11, and 13 bankruptcies in Miami, Fort Lauderdale, and West Palm Beach, Florida.  

Ms. Dzikowski is a member of the Florida Bar and has been practicing bankruptcy law throughout South Florida for more than 25 years. She served as a panel bankruptcy trustee for more than 15 years, having administered more than 18,000 Chapter 7 cases.   She has also served by appointment as a Chapter 11 Trustee, Chapter 11 Examiner, and the in-country (U. S.) trustee in a proceeding ancillary to a foreign bankruptcy case.  

In addition to representing debtors, creditors, and trustees in main bankruptcy proceedings, Ms. Dzikowski has litigated numerous adversary proceedings through trial and appeal. She has prosecuted and defended appeals before the United States District Court and the 11th Circuit Court of Appeals in Miami and Atlanta. Ms. Dzikowski has also represented parties at mediation and settlement conferences.

Attorney Dzikowski currently authors articles on bankruptcy, consumer finance, debt resolution, and other consumer law topics for the Nolo website as well as for other websites in the Nolo network.                    

Ms. Dzikowski is a graduate of the University of Miami Law School (JD) and also has a Master’s degree in Business Administration (MBA) and an undergraduate degree (BA) in Politics.  

Patricia's Other Pages

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Articles By Patricia Dzikowski

What Happens to Liens in Chapter 7 Bankruptcy?
What happens to liens on your property if you file for Chapter 7 bankruptcy? If a creditor has a lien, the creditor has rights against your property which secure your obligation to pay money you owe. Generally, if you don’t pay a lien creditor, it can take steps to take your property to satisfy the debt.
Chapter 7 Bankruptcy for Partnerships
A partnership is allowed to file for Chapter 7 bankruptcy. However, depending on the type of partnership and the value of the partnership assets, filing for Chapter 7 may not be a good solution for the partners. In fact, there are several big reasons why Chapter 7 is often not helpful to partnerships.
Types of Liens
Knowing what type of lien a creditor holds is important for determining how you can deal with the lien in bankruptcy. This can get confusing, especially where the creditor has a non-consensual lien, which is a lien that you did not agree to. Here's a primer on the types of liens you may encounter.
The Chapter 13 Bankruptcy Confirmation Hearing
If you file for Chapter 13 bankruptcy, the court will hold a confirmation hearing. This hearing is central to your Chapter 13 case because it is where the court decides whether to approve (or confirm) your proposed repayment plan. Once your plan is confirmed, your obligations going forward are reset and your creditors must accept your payments in satisfaction of their claims.
Should I List Pending Lawsuits in My Chapter 7 Bankruptcy Case?
You may be tempted to leave pending lawsuits and claims you have against someone else off your Chapter 7 bankruptcy petition and schedules. But failing to disclose lawsuits and legal claims in your bankruptcy is a big mistake. It's an act of dishonesty which could lead the bankruptcy court to deny